SlwmAwm,Coincidence? Indeed. Just yesterday I revisited the logic regading when to begin the SS payout. I too am recently a retired 64 year old so our situations are similar. I planned to wait until age 65 plus 10 months (born 1042). Then, as a consequence of a conversation with a fried who advised otherwise, I decided to dig a little deeper. I have not built a model for this but I found a comparrison calculator at the SSA,gov site that calculates the number of years it takes at full benefits to recover the $$ left on the table by waiting. In my case it's 16 years - I'd be 80. Who knows whar can happen in 16 years. So, after I run a model I expect to be trotting over to the SSA office to get started. Will let you know how the model works out.The only other advice I have for you is to depleat your cash accounts first. But, of course you have to begin taking distributions from you tax deferred accounts bu age 70 1/2 (as I remember).Regards, Jim
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